{"type":"document","data":{"id":"10f635ea-8eef-4f27-823e-e96b308329bb","localeString":"en-GB","publishDate":"2026-03-25T10:37:40.494+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Retiring early means enjoying your well-deserved free time sooner. But how do you go about it, and what does this mean for you financially?"},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"/en/personal/savings-and-investing/afspraak-vermogen-en","text":"Make an appointment"}},"coreHeader":{"body":"Perhaps you’ve thought about it. Enjoying your retirement before you start receiving your state pension. To make this dream a reality, you’ll need to start building up enough savings in good time. For example, by saving and/or investing. Wondering what suits you best? Why not speak to our advisors? This page is an English translation of the original Dutch version.*","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/67557317-113d-43cb-9eff-3c6e77c47d59/ProductPage_Personal_PensionCompany-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/3f7975ee82dc34ce/original/ProductPage_Personal_PensionCompany-1920.jpg","extension":"jpg"},"title":"Retiring early"},"backLink":{"textLink":{"url":"/en/personal/pension/pension","text":"Pension"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Making a choice"},{"componentType":"paragraph","richBody":{"value":"<p>The decision to retire early involves striking a balance between free time and money. If you continue working until you reach state pension age, this gives you greater financial flexibility. At the same time, it also costs you valuable free time. If you stop working earlier, you will have to dip into your savings. Furthermore, you will no longer be acquiring pension in those final years. </p>"}},{"componentType":"sectionTitle","title":"Find out what is feasible"},{"componentType":"paragraph","richBody":{"value":"<p>To understand your options, list a few things for yourself. Answer the following questions: </p><ol><li>When do you want to stop working? </li><li>How much money will you need to live on during your retirement? Take <a href=\"https://www.ing.nl/en/personal/savings-and-investing/inflation-calculator\">inflation</a> into account as well. </li><li>At what age will you start receiving your state pension (AOW) and your accrued occupational pension? </li><li>How much state pension and occupational pension will you receive? </li></ol>"},"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/955d9600-d5b3-41a6-bde0-7d4112a7e402/Rectangle","altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/624a0fcf2a1f994b/original/Rectangle.svg","extension":"svg"}},{"componentType":"paragraph","richBody":{"value":"<p>Looking at your answers, how much money would you need from the moment you want to stop working until you start receiving your state pension? And will you need extra money once you reach state pension age? </p><p>These questions all play a part when considering your pension options. You can also discuss this with an advisor. </p>"}},{"componentType":"sectionTitle","title":"A no-obligation chat with an advisor"},{"componentType":"paragraph","richBody":{"value":"<p>Would you like to know how you can use your assets to top up your pension or retire early? Our advisors are on hand to discuss your options with you in a free video call. Within 15–30 minutes, you’ll know where you stand, and there’s no obligation. </p><p>*This translation is intended for the customer’s convenience only. In the event of any inconsistency between the English translation and the original Dutch version, the original Dutch version shall prevail.​</p>"}},{"componentType":"cta","textLink":{"url":"/en/personal/savings-and-investing/afspraak-vermogen-en","text":"Make an appointment"}},{"componentType":"sectionTitle","title":"Also interesting"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Top up your pension","intro":"You have various options for topping up your pension yourself. Find out here what you can do.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a27f8ad5-1fbc-41c1-a436-a73554dcbbf5/Senior-woman-playing-hopscotch-while-husband-watching-her","type":"image","width":6975,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/385a2ce30901722f/original/Senior-woman-playing-hopscotch-while-husband-watching-her.jpg","extension":"jpg"},"link":{"url":"/particulier/pensioenen/pensioen-aanvullen"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"When to retire?","intro":"That depends on various factors. Find out here which ones might apply to you.","image":{"transformBaseUrl":"https://assets.ing.com/transform/2eba5bc7-a807-43a9-8966-64c850938d2d/Rear-view-of-two-people-sitting-in-front-of-building","type":"image","width":5700,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/2a1073e06d7ffdbf/original/Rear-view-of-two-people-sitting-in-front-of-building.jpg","extension":"jpg"},"link":{"url":"/particulier/pensioenen/wanneer-kun-je-met-pensioen"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"How much pension will you receive?","intro":"Your pension is made up of various components. Find out here what these might be.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c87a89c9-a230-4d37-8002-17b03412e316/Elderly-woman-sitting-next-to-a-tree-on-the-ground-behind-her-laptop","type":"image","width":6000,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/54577758633120d1/original/Elderly-woman-sitting-next-to-a-tree-on-the-ground-behind-her-laptop.jpg","extension":"jpg"},"link":{"url":"/particulier/pensioenen/hoeveel-pensioen-krijg-je-straks"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Avoid pension gap","intro":"Is there a difference between your expected and actual pension? Read all about pension gaps here.","image":{"transformBaseUrl":"https://assets.ing.com/transform/0f0ce94c-c258-466d-905d-c44d2c437376/1338651934","type":"image","width":5195,"original":"https://assets.ing.com/m/bb263852970605e/original/1338651934.jpg","extension":"jpg"},"link":{"url":"/particulier/pensioenen/voorkom-een-pensioengat"}}]}]}}}